Savings Accounts

Excellence in Deposits

Just as we strive to provide excellent member service, we also aim for no less in our share accounts. Throughout your life, our share products help achieve your goals. And unlike banks, our profits are returned to members in the form of lower fees, higher dividends and lower loan rates—something the big banks just cannot offer. All of EFCU's share account dividends are calculated daily and paid monthly, so your money works harder and produces a higher Annual Percentage Yield (APY).

Whether you need a place to keep a small amount of money, want an individual retirement account, or have significant savings you wish to generate a higher rate of interest, Escondido Federal Credit Union can offer a savings option to meet your needs. All EFCU Share Savings Accounts are federally insured by the NCUA.

Savings Accounts

Excellence in Options

The Credit Union offers several options if saving money is your goal. Our basic share account pays competitive interest rates that are reviewed each month by the Board of Directors. Deposits and withdrawals on regular share accounts are unlimited, with no monthly service charge and a small minimum balance of only $25.00. A tiered interest rate schedule allows those with higher balances to earn a higher rate of interest. Higher rates of interest are also available through Term Share Certificate Accounts which only require a minimum balance of $1,000.00.

Members can open a Savings Account any time. Give us a call or visit one of our branches to open an account.